scholarly journals BANK SPECIFIC AND MACROECONOMIC FACTORS INFLUENCING ISLAMIC BANKS DEPOSITS

2021 ◽  
Vol 6 (No.2) ◽  
pp. 37-57
Author(s):  
Sazana Ab Rahman ◽  
Nor Hayati Ahmad ◽  
Noraziah Che Arshad
Keyword(s):  
Banking System ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Policy Implications ◽  
Annual Reports ◽  
Islamic Banks ◽  
Business Enterprise ◽  
Macroeconomic Factors ◽  
Islamic Bank ◽  
Bank Deposits

Deposits are like the bloodline for banks as they determine banks' lending capacity and a country's economic savings. However, the existence of a dual banking system poses a challenge to Malaysian Islamic banks competing for deposits. Despite this problem, few investigations were done to comprehensively identify the factors that could help banks attract deposits, particularly for Islamic banks. The purpose of this paper is to fill this gap on deposits of 16 Islamic banks in Malaysia. Secondary data from the bank's annual reports and the Department of Statistics of Malaysia from 2015 to 2019 were analyzed, comprising Islamic Bank Deposits and seven predictors in an empirical model using STATA. The result shows a strong model fit with 92% R squared value that Return on Assets, bank concentration, and Business Enterprise Depositor affect Islamic Bank Deposits positively and significantly while Capital Adequacy Ratio showed negative and significant influence on the deposits. These factors are strongly effective to deposits, significant at 1% level. In contrast, Financing Deposit Ratio and Gross Domestic Product do not significantly influence Islamic deposits. Contrary to economic theory, this study found that an increase in inflation encourages customers to increase their saving deposits in Malaysian Islamic banks. The findings from this study are unique to Malaysian Islamic banks. They indicate important policy implications for Islamic banks practitioners, namely, to increase their focus on business enterprise customers, improve bank's market share and profitability in order to increase deposits while taking advantage of high inflationary period to attract more depositors.

scholarly journals Efficiency and Rentability of Islamic Banks in Indonesia

INOVATOR ◽  
2020 ◽  
Vol 9 (1) ◽  
pp. 41
Author(s):  
Sugeng Haryanto ◽  
Yanuar Bachtiar ◽  
Wildani Khotami
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Bank Efficiency ◽  
Macroeconomic Factors ◽  
Analysis Technique ◽  
Capital Adequacy Ratio ◽  
Operating Margin ◽  
Financing Risk ◽  
Quantitative Descriptive

<table border="1" cellspacing="0" cellpadding="0"><tbody><tr><td valign="top" width="454"><p><em>This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability</em><em>.</em></p></td></tr></tbody></table>

What Are the Leading Bank-Specific and Macroeconomic Factors Influencing Islamic Bank Performance?

2021 ◽  
pp. 153-171
Author(s):  
Mosharrof Hosen
Keyword(s):  
Positive Impact ◽  
Least Square ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Cross Sectional ◽  
Macroeconomic Factors ◽  
Mena Countries ◽  
Ordinary Least Square ◽  
Islamic Bank ◽  
Asset Quality

Despite the proven sustainability and growth of Islamic banks during the financial crisis period, many scholars criticise the current performance of Islamic banks. Therefore, policymakers are continuously getting worried due to inconclusive finding of different research related to Islamic bank profitability. To shed the light of raising concern, this study investigates the issue from considering both macroeconomic and bank-specific factors. The annual cross-sectional data has been collected from 46 Islamic banks in 10 selected MENA countries over the period 2015-2019. The standardized pooled ordinary least square (OLS) approach's findings revealed that bank size, capital adequacy, GDP, and inflation have a significant positive impact on Islamic banks' return on asset, but asset quality has no significant effect on ROA. In contrast, most of the variables have an insignificant effect of ROE. Investors, financial analysts, and policymakers will get benefits from this study's results to secure their investment by successfully controlling the above-mentioned leading factors.

scholarly journals Determinants of Capital Adequacy among the Commercial Banks in Ghana

2020 ◽  
pp. 88-95
Author(s):  
Ernest Somuah Annor ◽  
Fredrick Somuah Obeng ◽  
Nelly Opoku Nti
Keyword(s):  
Commercial Banks ◽  
Fixed Effects ◽  
Banking System ◽  
Secondary Data ◽  
Least Square ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Independent Variables ◽  
Strict Compliance ◽  
Asset Quality

The study examined the determinants of capital adequacy among selected commercial banks in Ghana. Eight banks were sampled for the periods 2009-2016, secondary data was gathered from the annual reports of selected banks as well as the Ghana Banking Survey authored by Price Waterhouse Coopers Ghana (PWC). A balanced panel approach was employed in investigating the determinants of capital adequacy among selected commercial banks in Ghana whilst comparing estimates of pooled OLS, random and fixed effects models and the generalized least square models to ascertain the robustness of the model. The finding suggests that all the independent variables statistically and significantly influence capital adequacy. While non-performing loans negatively relate to CAR, LFTD and ROA positively impact CAR or asset quality. It is recommended that the central bank and various banks operating in Ghana pay attention to strict compliance with the regulatory regimes to keep banks sound and fit to withstand distress and losses which may, in turn, affect the banking system and economy in entirety.

scholarly journals Analysis the Effect of Islamic Banks Performance on Depositor’s Fund: Evidence from Indonesia

2016 ◽  
Vol 8 (10) ◽  
pp. 40 ◽  
Author(s):  
Mohmad T. Abusharbeh
Keyword(s):  
Econometric Model ◽  
Banking System ◽  
Secondary Data ◽  
Operational Efficiency ◽  
Capital Adequacy ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Exogenous Variables ◽  
Business Units ◽  
Capital Adequacy Ratio

<p>This study aims to examine the effect of CAMEL framework on depositor’s fund of Indonesian Islamic banks. The study uses a sample of 11 Islamic commercial banks and 24 Islamic business units’. It used depositors fund as the endogenous variable, and some components of CAMEL such as capital adequacy, assets quality, operational efficiency, profitability, and liquidity as exogenous variables. An econometric model was established and parameters are estimated based on the secondary data obtained from Islamic banking statistics-Bank of Indonesia database for five years (2010-2015). The results of the paper conclude that capital adequacy ratio and liquidity are significant and positively correlated to Islamic deposits, while nonperforming financing is significant but negatively related to the Islamic depositor’s fund. On the other hand, profitability and operational efficiency are not to be significant influence on the depositor’s fund. Finally, the statement of theory proved that good Islamic banks performance provided positive image and confidence in Islamic banking system.</p>

scholarly journals Analisis Pengaruh Rasio CAR, NPF, BOPO, ROA dan FDR terhadap tingkat Kesehatan Bank Umum Syariah di Indonesia

El Dinar ◽  
2018 ◽  
Vol 4 (2) ◽  
pp. 196
Author(s):  
Eva Ratna Festiani
Keyword(s):  
Commercial Bank ◽  
Secondary Data ◽  
Data Bank ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Islamic Banks ◽  
Operating Income ◽  
Logit Regression ◽  
Capital Adequacy Ratio ◽  
Bank Soundness

<p>This study aims to analyse the influence of the ratio of capital Adequacy Ratio, NPF, BOPO, ROA dan FDR againts Islamic Commercial bank soundness. This research is a quantitative study using secondary data obtained from the annual reports in Indonesian Iskamic Banks published by Bank Indonesia and the data bank health ratings obtained from annual reports of Islamic Banks and bank info research. Thus, the sample used by 11 Islamic Banks. This study use a model of ordinal Logit Regression analysis to analyze the effect of the ratio Of Capital adequacy Ratio, NPF, BOPO, ROA and FDR. The result showed that the non performing Financing (NPF) Operating Income and Operating expenses significant effect on the health of banks with significant value and NPF 0,040 0,020 Operating Expenses Operating Income, While the capital Adequacy Ratio, ROA, FDR did not have a significant influence on the health of banks, due to the significant value of each variable is more than 0.05 (p&gt;5%).</p>

FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK SYARIAH DI INDONESIA

WADIAH ◽  
2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Andriani Andriani ◽  
Yurike Sofiana Askurun
Keyword(s):  
Sampling Method ◽  
Secondary Data ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Islamic Bank ◽  
Capital Adequacy Ratio ◽  
A Company ◽  
Observation Period

Profitability is the most appropriate indicator to measure the performance of a company. The company's ability to generate profits to measure the level of performance of a company. The higher the company's profitability, the better the company's performance. The purpose of this study was to determine the effect of Financing Deposit Ratio (FDR), OEOI, Capital Adequacy Ratio (CAR), and Non Performing Financing (NPF) on profitability (ROA) of Islamic bank financial statements published by Indonesian banks. in the period 2008-2012.This study aims to analyze the effect of the FDR ratio, operational efficiency (ROA), CAR, and NPF on profitability (ROA) in Islamic banks on published finances. Bank Indonesia, while the research sample was determined by purposive sampling method in order to obtain 41 samples from 11 banking companies during the observation period (2009-2012). The type of data used is secondary data obtained from Islamic bank financial statements at PTwww.bi.go.id.The analytical method used is multiple regression analysis. The results of this study indicate that FDR has no significant effect on Indonesian Islamic banks, BOPO has a significant effect on ROA in Islamic banks in Indonesia, CAR does not have a significant effect on Islamic banks in Indonesia, NPF has no significant effect on Indonesian Islamic banks.Keywords: FDR, OEOI, CAR, NPF and ROA. Abstrak Profitabilitas merupakan indikator yang paling tepat untuk mengukur kinerja suatu perusahaan. Kemampuan perusahaan dalam menghasilkan laba untuk mengukur tingkat kinerja suatu perusahaan. Semakin tinggi profitabilitas perusahaan maka semakin baik pula kinerja perusahaan tersebut. Tujuan penelitian ini adalah untuk mengetahui pengaruh Financing Deposit Ratio (FDR), BOPO, Capital Adequacy Ratio (CAR), dan Non Performing Financing (NPF) terhadap profitabilitas (ROA) laporan keuangan bank syariah terbitan bank-bank Indonesia. dalam periode 2008-2012.Penelitian ini bertujuan untuk menganalisis pengaruh rasio FDR, efisiensi operasional (ROA), CAR, dan NPF terhadap Profitabilitas (ROA) pada bank syariah terhadap keuangan yang dipublikasikan. Bank Indonesia, sedangkan sampel penelitian ditentukan dengan metode purposive sampling sehingga diperoleh 41 sampel dari 11 perusahaan perbankan pada periode observasi (2009-2012). Jenis data yang digunakan adalah data sekunder yang diperoleh dari Laporan Keuangan bank syariah di PTwww.bi.go.id.Metode analisis yang digunakan adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa FDR tidak berpengaruh signifikan terhadap bank syariah Indonesia, BOPO berpengaruh signifikan terhadap ROA pada bank syariah di Indonesia, CAR tidak berpengaruh signifikan terhadap bank syariah di Indonesia, NPF tidak berpengaruh signifikan terhadap bank syariah Indonesia.Kata Kunci: FDR, BOPO,CAR, NPF dan ROA.

scholarly journals EFFECT ON THE PERFORMANCE OF ETHICS DISCLOSURE OF IDENTITY IN ISLAMIC BANK INDONESIA (STUDY IN ISLAMIC BANKING COMPANIES LISTED IN BANK INDONESIA, 2008-2018)

2019 ◽  
Vol 7 (12) ◽  
pp. 326-332
Author(s):  
Muhammad Nur Syuhada
Keyword(s):  
Stock Exchange ◽  
Secondary Data ◽  
Annual Reports ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Financial Industry ◽  
Public Companies ◽  
Islamic Bank ◽  
Ethical Identity ◽  
Good Reputation

Strive for innovative Islamic banking in offering products and building a good reputation in following the development of the Islamic financial industry to trigger an increasingly competitive level of competition. Building a good reputation is largely determined by the identity of the company itself. Islamic banking has a higher moral responsibility than conventional banking or other public companies because there are social values ​​and justice that must be met. study This was conducted to reveal that ethical identity significantly influences the financial performance of Islamic banking companies which have restrictions on Islamic commercial banks in Indonesia. This research will be conducted using secondary data in the form of annual reports issued from Islamic banks in Indonesia from 2008-2018 through the websites of each Islamic bank. The population of this study is Sharia banks that are listed on the Indonesia Stock Exchange or listed at Bank Indonesia. The update of this study is that this research will replace the measurement variable profitability from ROA to NPM and change the year from 2008-2018 compared to the previous study, using only the period 2010-2013.

THE EFFECT OF THE SHARIA SUPERVISORY BOARD AND THE BOARD OF COMMISSIONERS ON THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 3 (1) ◽  
pp. 60-73
Author(s):  
Ahmad Fauzul Hakim Hasibuan ◽  
Fuadi Fuadi ◽  
Angga Syahputra
Keyword(s):  
Data Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Supervisory Board ◽  
Secondary Data ◽  
Sampling Technique ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Islamic Bank

This study aims to determine the influence of the Sharia Supervisory Board and the Board of Commissioners on the Financial Performance of Islamic Banks in Indonesia. This study used secondary data from 12 banks.The sampling technique used is the purposive sampling technique. The method of data analysis used is multiple linear regression.The results partially show that the sharia supervisory board and board of commissioners positively and significantly influence the financial performance of Islamic banks in Indonesia. Simultaneously,the board of commissioners and the sharia supervisory board positively and significantly influence the financial performance of Islamic bank

scholarly journals ANALISIS PENGARUH MANAJEMEN RISIKO TERHADAP PROFITABILITAS (Studi Komparatif Pada Bank Umum Konvensional dan Bank Umum Syariah yang Terdaftar di OJK Periode 2012 – 2015)

2018 ◽  
Vol 11 (1) ◽  
pp. 001
Author(s):  
Hafidz Ridho Ansori ◽  
Safira Almunawar
Keyword(s):  
Commercial Bank ◽  
Negative Impact ◽  
Banking System ◽  
Multiple Linear Regression Model ◽  
Sampling Technique ◽  
Total Sample ◽  
Study Data ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Islamic Banks

Risk management is a good potential events that can be predicted and unpredicted negative impact on income and capital of the Bank. Financial ratios are an alternative to test whether financial ratios useful for making predictions on future profitability. CAR, NPL and LDR is a measure of the ability to predict profitability. Sampling technique used is purposive sampling with criteria Conventional Commercial Bank do / unlock (Dual Banking System) Islamic Banks serving the financial statements of the period 2012 to 2015. The data obtained by the publication of the FSA Directory. Obtained a total sample of 16 with the division 8 8 Conventional Commercial Bank and Commercial Bank Syariah. The independent variables in this study is the Capital Adequacy Ratio (CAR), Non performace loans (NPLs) and loan to deposit ratio (LDR) while Return on Assets (ROA) as the dependent variable. Methods of data collection in this study is documentation and literature. During the period show that the study data were normally distributed. Based on the test multicollinearity, heteroscedasticity test and autocorrelation test found no deviation from the classical assumption, it indicates that the available data are qualified to use a multiple linear regression model. The comparison of this study showed that the CAR and NPL variable Conventional Commercial Bank affect the ROA, LDR whereas no effect. In contrast to the conventional, all variables Islamic Banks are CAR, LDR and NPL effect on ROA.

scholarly journals ANALISIS PENGARUH MANAJEMEN RISIKO TERHADAP PROFITABILITAS (Studi Komparatif Pada Bank Umum Konvensional dan Bank Umum Syariah yang Terdaftar di OJK Periode 2012 – 2015)

2018 ◽  
Vol 11 (1) ◽  
pp. 001
Author(s):  
Hafidz Ridho Ansori ◽  
Safira Almunawar
Keyword(s):  
Commercial Bank ◽  
Negative Impact ◽  
Banking System ◽  
Multiple Linear Regression Model ◽  
Sampling Technique ◽  
Total Sample ◽  
Study Data ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Islamic Banks

Risk management is a good potential events that can be predicted and unpredicted negative impact on income and capital of the Bank. Financial ratios are an alternative to test whether financial ratios useful for making predictions on future profitability. CAR, NPL and LDR is a measure of the ability to predict profitability. Sampling technique used is purposive sampling with criteria Conventional Commercial Bank do / unlock (Dual Banking System) Islamic Banks serving the financial statements of the period 2012 to 2015. The data obtained by the publication of the FSA Directory. Obtained a total sample of 16 with the division 8 8 Conventional Commercial Bank and Commercial Bank Syariah. The independent variables in this study is the Capital Adequacy Ratio (CAR), Non performace loans (NPLs) and loan to deposit ratio (LDR) while Return on Assets (ROA) as the dependent variable. Methods of data collection in this study is documentation and literature. During the period show that the study data were normally distributed. Based on the test multicollinearity, heteroscedasticity test and autocorrelation test found no deviation from the classical assumption, it indicates that the available data are qualified to use a multiple linear regression model. The comparison of this study showed that the CAR and NPL variable Conventional Commercial Bank affect the ROA, LDR whereas no effect. In contrast to the conventional, all variables Islamic Banks are CAR, LDR and NPL effect on ROA.

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